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QNB Bank

$1B-$10B Specialty: Commercial PA FDIC cert 7714

Designations: ✓ Community bank

Quakertown, PA

18 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +25.2% year over year ($2.1B on the books).
  • Delinquency rate 0.61%.
  • Return on assets 0.81%.
  • Efficiency ratio 70.59% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.33% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

QNB Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 67.7% in tier
  • - ROA 0.58% below tier average
  • - Net Interest Margin 0.47% below tier average
Get updates when QNB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $2.4B
+27.4% YoY +25.0% QoQ
-$418.3M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $1.7B
+40.8% YoY +33.7% QoQ
-$259.0M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $2.1B
+25.2% YoY +25.1% QoQ
-$248.8M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 0.81%
-5.2% YoY +2.2% QoQ
-0.58% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.40%
+18.1% YoY +11.3% QoQ
-0.47% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 70.59%
+10.1% YoY +3.4% QoQ
+10.86% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.61%
-17.3% YoY -19.0% QoQ
-0.26% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 82.33%
+12.4% YoY +6.9% QoQ
-2.71% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 12.99%
+5.9% YoY +13.6% QoQ
-8.28% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.44%
-8.6% YoY -13.3% QoQ
-0.24% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 12.45%
-7.3% YoY -6.0% QoQ
-2.39% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.16%
-13.1% YoY +58.9% QoQ
-0.37% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 13.0%
+0.7pp YoY
+1.6pp QoQ
 -8.4pp 21.4% 18.7% 22.2% 19%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -9.5pp 9.5% 6.8% 8.5% 3%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 9.7%
-2.2pp YoY
-1.6pp QoQ
 -4.3pp 14.0% 8.6% 12.5% 43%
CRE 63.7%
+2.9pp YoY
+2.2pp QoQ
 +13.7pp 50.0% 37.9% 41.4% 81%
1-4 Family 25.5%
+0.1pp YoY
-0.6pp QoQ
 -1.0pp 26.4% 47.8% 31.3% 56%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -4.5pp 4.7% 3.8% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 12.4%
-1.0pp YoY
-0.8pp QoQ
 -3.1pp 15.6% 22.3% 19.7% 32%
Leverage Ratio 9.8%
+0.1pp YoY
-0.1pp QoQ
 -1.5pp 11.3% 13.2% 12.6% 32%
Total Capital Ratio 13.1%
-1.0pp YoY
-0.8pp QoQ
 -3.6pp 16.7% 23.3% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 239
+42 (+21.3%) YoY
+38 (+18.9%) QoQ
 -75 313 299 482 51%
Assets per Employee ($) $9.9M
+5.0% YoY
+5.1% QoQ
 -$544K $10.5M $9.2M $8.8M 65%
Branch Count 18
+3 (+20.0%) YoY
+3 (+20.0%) QoQ
 -2 20 20 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.6%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.8% 0.9% 1.0% 58%
Allowance Coverage 1.23x
+19.6% YoY
+23.6% QoQ
 -17.48x 18.71x 3.63x 20.23x 31%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 10.0%
-2.8pp YoY
-0.3pp QoQ
 -2.6pp 12.6% 10.2% 11.6% 33%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
+0.1pp QoQ
 +0.1pp 1.9% 1.8% 1.7% 56%
Net Income ($, YTD) $8.3M
+4.6% YoY
— QoQ
 -$10.9M $19.2M $18.2M $40.4M 31%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Cost Spiral

risk
#22 of 31 • Bottom 67.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 70.59%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

719
Return on Assets
profitability
Value: 0.81%
Peer Median: 1.39%
#719 of 885 Bottom 18.9% in $1B-$10B
716
Non-Interest-Bearing Deposit Share
funding
Value: 12.99%
Peer Median: 21.27%
#716 of 885 Bottom 19.2% in $1B-$10B
712
Efficiency Ratio
profitability
Value: 70.59%
Peer Median: 59.73%
#712 of 885 Bottom 19.7% in $1B-$10B
699
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#699 of 885 Bottom 21.1% in $1B-$10B
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